Life insurance for high underwriting risks
Life insurance for men and women who represent a higher underwriting risk due to health, lifestyle, personal record, or other factors:
You can purchase a competitively priced policy through a highly specialized “impaired risk” brokerage and consulting team.
Virtually all underwriting risks can be covered.
Face amounts range from $100,000 to $100,000,000+.
All applicants are prequalified for coverage, so applications can be approved at the rate quoted.
A senior financial consultant provides personalized, high-end service to every client, to ensure satisfaction.
Attorneys, accountants, and financial planners are available to help design complicated policies, at no charge.
Ideally suited for applicants who represent risks such as these:
* Addictions: Recreational drugs; prescription drugs; gambling; alcohol; sex.
* Application history: Declined or rated on prior applications.
* Criminal record: Charges; convictions; time served; probation.
* Health issues: Includes everything from neurological to psychological; from immune system deficiencies to build/weight.
* Hobbies/avocations/occupation: Rock climbing; mountain climbing; scuba diving; parachuting; extreme sports; and many other adventurous pursuits. Higher-risk job duties, environment.
* Medical exam issues: Aversion to needles; hard to draw blood.
* Medical records issues: No current records available; inconsistencies and inaccuracies in medical records.
* Motor vehicle record: Excessive points; license suspensions; DWI.
* Policy funding: Premium financing; corporate sponsorship; sale of existing policies.
* Travel: Job-related; leisure; missionary.
want to talk?
We’re interested in discussing your unique situation.
